1. Get pre-approved
Sellers expect a pre-approval letter with your offer. A local lender who closes on time makes your offer stronger. Ask about FHA, VA, USDA and Florida first-time buyer programs if they apply to you.
2. Know your real monthly cost
In Florida, the payment is more than principal and interest. Add property taxes, homeowners insurance, flood insurance if required, HOA dues and CDD assessments. I'll estimate all of it for every home you're serious about.
3. Search and save
Use the live search to save your areas and price range. New listings and price drops go straight to your email.
4. Check the Florida-specific items
- Flood zone and elevation, before you offer
- Roof age and the four-point inspection, which insurers use on older homes
- Wind mitigation, which can lower your premium
- Well and septic on rural properties
- Sinkhole and soil concerns in some inland areas
5. Make a smart offer
I base offers on recent comparable sales, not list price, and use the inspection period to protect you.
6. Inspect, appraise and close
Typical Florida contracts include an inspection period, a financing contingency and an appraisal. Most purchases close in about 30-45 days.
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Frequently asked questions
How much do I need for a down payment in Florida?
It depends on the loan. VA and USDA can be zero down for eligible buyers, FHA can be as low as 3.5%, and some conventional loans allow 3%. Closing costs are extra, though sellers sometimes contribute.
Do I pay my buyer's agent?
Agent compensation is negotiable and is spelled out in a written buyer agreement before we tour. Often the seller or builder covers some or all of it. Roy will explain your options up front.
What is a four-point inspection?
A four-point inspection covers the roof, electrical, plumbing and HVAC. Florida insurers often require one on older homes before they will write a policy.